Guides

Arm yourself with the information to make smarter financial decisions, with our handy library of free guides. 

Lifetime Investment Philosophy

Just like life – your investments can never be 100% predictable (otherwise we’dall be millionaires!) But it’s good to know that experience counts. And here at Lifetime, we have a proven track record of balancing risk with return.

Our investment insights aren’t based on gut feel or ‘hot tips’ – but on rigorous research and measurable evidence built on a solid foundation of expertise. Over time, these have formed a set of fundamental beliefs that have served our clients well.

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Lifetime Mortgage Philosophy

Whether it’s your first home, a doer-upper, or a flash penthouse (lucky you!) owning your home is part of the Kiwi dream. And as anyone will tell you, there’s no feeling on earth quite like it. That’s the emotional side of course – but even more important is the financial and structural side.

There’s a lot to think about, and our experts are on the case to explain market trends, lenders, rates, repayments, and more – ultimately get you a better deal.

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Lifetime Insurance Philosophy

Nobody really loves paying for insurance – until you actually need it. It’s a fantastic way to protect all the things you’ve worked so hard for in life – and more – so you can worry a little less.

We’re passionate about insurance here at Lifetime, and can help make sure you’re covered for everything you need, and nothing you don’t. As your life changes, we can also check that your cover is changing with it. No fuss. No stress. No dramas.

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Booster 2021 Tax Guide - Short

Booster has put together this reference guide to help you complete your 2021 tax return.

This guide provides an overview of the reports you require to complete your tax return.

Please read this guide carefully to ensure you include the appropriate information in your tax return. You’ll need to determine which information is relevant to your circumstances.

If you’re unsure about your tax status or unclear about how the tax rules apply to you, we strongly recommend you consult a tax adviser.

Booster 2021 Tax Guide - Comprehensive

Booster has put together this reference guide to help you complete your 2021 tax return.

This guide provides an overview of each of the reports available to you to enable you to complete your tax return.

It is important that you read this guide carefully to ensure you include the appropriate information in your tax return. As we are unable to confirm your particular tax status based on our records alone, you will need to determine which information is relevant to your circumstances.

If you are unsure about your tax status or unclear about how the tax rules apply to you, we strongly recommend you consult a tax adviser.

Consilium & FNZ 2021 Tax Guide - Short

This User Guide is produced by FNZ Custodians Limited (FNZ) in its capacity as an integrated financial services provider in relation to your investments. It has been prepared for New Zealand tax residents and FNZ trusts that you find the contents of this User Guide informative and helpful in understanding your New Zealand tax obligations and, should you be required to, completing your New Zealand tax return.

The User Guide contains general information on the various aspects of New Zealand tax legislation that may be relevant to your personal circumstances.

Consilium & FNZ 2021 Tax Guide - Comprehensive

This User Guide is produced by FNZ Custodians Limited (FNZ) in its capacity as an integrated financial services provider in relation to your investments. It has been prepared for New Zealand tax residents and FNZ trusts that you find the contents of this User Guide informative and helpful in understanding your New Zealand tax obligations and, should you be required to, completing your New Zealand tax return.

The User Guide contains general information on the various aspects of New Zealand tax legislation that may be relevant to your personal circumstances.

5 Insurable Events

Are you adequately covered for these events? When it comes to ensuring you have financial protection in place for your needs should a medical condition affect your ability to earn, there are five key events to consider.  

1. Health
2. Income Protection
3. Trauma
4. Total Permanent Disablity
5. Life

 

Let's Talk - Personal Insurance

Risks are part of life. We all assume the best when we have children or take on a mortgage, but what comes next if you are no longer able to provide an income?

You can protect yourself and your family against financial harm from unexpected illness and injury. Our Personal Protection Insurance is there to make sure you’ll be covered financially should you become unable to work. Lifetime is here to help you put the right protection in place by identifying the vulnerable areas of your life. 

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Let's Talk - Home Loans

Buying a home doesn’t have to be as daunting as it sounds. Deciding on a place to live is one of the most exciting and big decisions you will make. Life doesn’t always go to plan – babies arrive, illness can strike and interest rates can change. This guide is designed to give you the knowledge and power to make the process easier and smoother. After all, working with a Lifetime mortgage specialist ensures you get the best deal without the stress. 

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Let's Talk - Business Solutions

There are many aspects of building a business that must be carefully considered. A few key aspects include establishing start-up costs, funding expansion and growth, taking care of your staff, as well as protecting yourself against disasters and other interruptions.

While it is common practice to insure buildings and assets, it can be less obvious to remember the vital part that key staff and pre-existing financial commitments play in running your business.

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